| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $2K | $2K | $3K | 2.18% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 5.46% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $666 | — | $666 | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 144 TURNPIKE RD SOUTHBOROUGH, MA 01772 | VISION SERVICE PLAN | $966 | — | $966 | 1.99% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS, INC. | 144 TURNPIKE RD SOUTHBOROUGH, MA 01772 | VISION SERVICE PLAN | $319 | — | $319 | 0.66% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $660 | — | $660 | 2.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | — | $314 | $314 | 1.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $256 | — | $256 | 1.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOSTON | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$2K | — | -$2K | -12.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOSTON | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$1K | — | -$1K | -12.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AXIS INSURANCE COMPANY | $440 | — | $440 | 25.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DENTAL SERVICE OF MASSACHUSETTS INC EIN 04-6143185 DENTAL ADMIN | Claims processing; Consulting (general) Service code 12 | 465 MEDFORD STREET BOSTON, MA 02129 | $49K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 535 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 655 | $9.6M |
| Vision | VISION SERVICE PLAN | 316 | $49K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,064 | $155K |
| Short-term disability | STANDARD INSURANCE COMPANY | 40 | $26K |
| Long-term disability | STANDARD INSURANCE COMPANY | 322 | $95K |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,064 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,064 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.